The Financial Call

Are you a homeowner or looking to become one? Here's where you can learn about all the insurance you may need!   Listen in as Zacc and Laura are joined by insurance professional Spencer Shelton to delve into property and casualty insurance. They discuss various personal and commercial insurance types, including auto, home, and umbrella policies.    Spencer explains the nuances of homeowners' insurance, such as the differences between HO-3, HO-4, and HO-5 policies, and the significance of flood insurance.    The conversation highlights the importance of understanding insurance coverage, the benefits of umbrella policies, and the need for individuals to review and discuss their insurance needs with agents.   Other discussion points include: The essentials of casualty and property insurance Understanding your homeowners' insurance policy Car insurance, umbrella policies & how to protect your assets The role of insurance agents in your financial journey And more   Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Spencer Shelton: LinkedIn: Spencer Shelton Shelton Insurance Group  

In this special bonus episode Zacc Call joins Erik Soderborg on the 90 Days from Retirement Youtube channel to delve into the most pressing questions from the internet following their recent episode on Roth vs. Traditional. This engaging discussion offers valuable insights and answers to commonly asked questions, providing listeners with a comprehensive understanding of the complexities surrounding these critical financial decisions. Topics covered include: Traditional & RMDs (Required Minimum Distributions): Unpack the nuances of Traditional retirement accounts and navigate the intricacies of Required Minimum Distributions. Are Taxes Going Up? Explore the current landscape of tax policies and discuss whether taxes are expected to increase in the foreseeable future, influencing retirement planning strategies. Roth Income Limits: Shed light on the income limits associated with Roth IRAs and how they impact eligibility and contributions. Spousal IRA: Provide guidance on the often-overlooked Spousal IRA option, offering couples additional avenues for optimizing their retirement savings. Backdoor Roth: Demystify the concept of a Backdoor Roth IRA and explain how it can be a strategic option for individuals facing income limitations for direct Roth contributions. Will Roths Be Taxed? Delve into the speculation and considerations surrounding the potential taxation of Roth IRAs in the future, offering listeners a forward-looking perspective on their retirement planning. To get the full spectrum of information, make sure to check out the complete video on the 90 Days from Retirement YouTube channel. Additionally, visit Erik Soderborg's website at 90daysfromretirement.com for more resources, tools, and insights to empower your journey towards a secure and fulfilling retirement. Don't miss this bonus episode packed with expert advice and practical tips to navigate the Roth vs. Traditional dilemma and make informed decisions for your financial future. Questions from the Internet: Roth vs. Traditional - https://www.youtube.com/watch?v=-U_su7Ak7QE Watch the original interview that started it all! Exposing the TRUTH About Roth vs Traditional Accounts | Financial Conversations: https://www.youtube.com/watch?v=VHHNYdpVwrU&t=1s

Long-term care insurance is becoming an increasingly fundamental addition to the financial planning process.    That's why Zacc Call and Laura Hadley, along with insurance professional Barney Tanner, are diving into the intricacies of long-term care and disability insurance. They discuss the likelihood of needing long-term care, the various payment options including insurance, and the importance of planning for potential costs.    The episode also explores the differences between standard and linked benefit insurance policies, the role of ADL requirements, and the nuances of disability insurance coverage.    Discussion points include:   The basics of planning for long-term care The 6 main avenues of paying for long-term care: Private pay, family support, Medicare, Medicaid, veterans' benefits, and insurance The role of insurance in long-term care from an insurance professional The various policies you can choose from in disability insurance And more   Resources: Guided Path 8-1 Pre-65 Health Care Options for Early Retirees Guided Path 8-2 Navigating the Alphabet Soup of Medicare Guided Path 8-3 Life Insurance  Guided Path 8-4 Life Insurance: When To Get It, When To Drop It   Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Barney Tanner: LinkedIn: Barney Tanner, CLTC® Allegis Advisor Group   About Our Guest: Barney Tanner is a seasoned National Brokerage Director with over 20 years of experience nurturing key relationships that lead to sales growth and ensure client retention. Extensive experience in all aspects of business development and wealth planning including developing key client relationships, leading and building teams, developing successful strategies, and making relationship-based sales.  Barney continually exceeds expectations by creating valuable partnerships and works well with people at all levels of an organization including stakeholders, C-suite executives, management, underwriters, staff, and agents.

Get ready for another special bonus episode where Zacc Call joins Erik Soderborg on the "90 Days from Retirement" YouTube channel! They dive deep into the critical art of securing your retirement funds, covering everything from external risks to the internal decisions that could make or break your financial future.  The conversation dives deep into the intricacies of risk tolerance, savvy withdrawal strategies, and debunking the 4% rule, all while stressing the need for a personalized approach tailored to your unique circumstances. Erik and Zacc pull back the curtain on the impact of taxes on retirement, delivering a fresh perspective on potential challenges and the absolute necessity for meticulous financial planning.  Catch the full video on Erik Soderborg's channel for a complete look into these crucial retirement insights. Ready to supercharge your financial knowledge? Don't forget to explore Erik's website and watch more of his engaging videos on YouTube.  Full video: https://www.youtube.com/watch?v=flCDgSy25e0&t=1s  Erik's Website: https://90daysfromretirement.com/

There's no magical date marked on the calendar telling you when to get life insurance.  So, when should you get it, and is there a time you should get rid of it? In this episode, Zacc Call and Laura Hadley discuss both when to get and when to drop life insurance. Zacc shares his journey with life insurance, starting from when he married at 22, highlighting its importance for end-of-life expenses and family support.  They explore the financial implications of death, such as mortgage and income continuation for survivors, emphasizing tailored coverage. The advisors also consider when retirees might drop life insurance, noting that those with ample assets may not need it.  Zacc and Laura discuss: How to time your life insurance When to hold onto your policy, and when to let it go What financial problems your death may create What financial plan tweaks should happen as your life progresses And more Resources: The Cost of Dying - Talk With The Expert Matt Russon Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Explore an exclusive bonus episode featuring Zacc Call and Erik Soderborg from 90 Days from Retirement, where they unravel the intricacies of optimizing your Social Security benefits. Delve into valuable insights on maximizing your financial future. Catch the full interview on Erik's YouTube channel for a comprehensive guide to securing your retirement. Full video: https://www.youtube.com/watch?v=KXFqGra9qHI&t=937s https://90daysfromretirement.com/ 

Does it feel like you're constantly being pitched life insurance? There's a reason for that and we're going to tell you why. In this episode, Zacc Call and Laura Hadley explore the intricacies of life insurance. Zacc shares his journey with thyroid cancer and underscores the value of life insurance in providing financial security during unforeseen health issues.  They discuss the importance of determining the right amount of coverage, differentiating between term and permanent life insurance, and the potential pitfalls of policies with investment components.  The conversation also covers the motives behind selling permanent life insurance, the role of financial professionals, and the considerations for children's life insurance and funeral costs. Zacc and Laura discuss: Zacc's personal story about being diagnosed with thyroid cancer & how it impacted his ability to obtain life insurance How you can determine the right amount of insurance coverage for your situation The investment aspects of permanent life insurance Life insurance for children + employer-provided insurance And more   Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Navigating the intricacies of Medicare can feel like wading through an alphabet soup of confusion and misinformation.    To help you feel less overwhelmed, Zacc Call and Laura Hadley break down the different parts of Medicare and explain key points to keep in mind before enrolling — so you can make an informed decision based on your healthcare needs.   Zacc and Laura discuss: Why enrolling in Medicare at 65 isn't mandatory and delaying is an option The importance of timely Medicare enrollment to avoid penalties An overview of Medicare Parts A and B, Medicare Advantage, and Medigap Additional points to consider if you have a group coverage plan at work or an HSA And more   Resources: Guided Path 8-1 Pre-65 Health Care Options for Early Retirees HealthCare.gov 90 Days From Retirement: Erik Soderborg (Website) 90 Days From Retirement: Erik Soderborg (YouTube)   Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Retiring early is a dream for many.   However, people often hesitate due to a fear of high healthcare costs, given that Medicare doesn't come into play until the age of 65.   We address this concern today — in the first episode of our brand-new season about insurance! Zacc Call and Laura Hadley explore three options for pre-65 health care coverage: COBRA plans, retiree plans offered by employers, and plans obtained through the exchange.    Zacc and Laura discuss:   How COBRA helps address any gaps in coverage (switching jobs, retiring early, etc.) Tips on navigating healthcare.gov to compare plans and identify potential subsidies Personal experiences and anecdotes to illustrate the nuances of each option A sneak peek into the upcoming episodes of this season And more   Resources:   Money & Mind HealthCare.gov   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

If you plan to exit your business soon and are charitably inclined, you may have untapped tax-saving opportunities!   In this episode, Zacc Call and Laura Hadley discuss tax-efficient charitable giving strategies for business owners planning to exit their businesses. They specifically share ways to leverage donor-advised funds (DAF) and charitable remainder trusts to reduce capital gains tax and maximize your tax deductions.   Zacc and Laura discuss: How income from selling a business is taxed in the U.S. How a complex asset donation works (structure, timeline, associated costs, etc.) DAFs vs. charitable remainder trusts — finding which strategy is right for you Different types of professionals you should consult for tax-efficient charitable giving and exit planning And more   Resources: Guided Path 7-1 Charitable Giving: Donating Cash vs. Stocks Guided Path 7-2 Timing Your Charitable Giving  Guided Path 7-3 Qualified Charitable Distributions Guided Path 7-4 Donor-Advised Funds Guided Path 6-4 Exiting Your Business From A Legal Standpoint   Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Let's discover how to maximize your impact on your favorite charities while enjoying tax benefits using donor-advised funds!   In this episode, Zacc Call and Laura Hadley discuss DAFs, their benefits, growth, and associated sponsors and fees. They emphasize the importance of separating tax decisions from the act of giving and the timing flexibility DAFs offer.    Listen as they share a case study of a physician who optimized his charitable giving through a DAF, highlighting the flexibility and simplicity of this fund.    Zacc and Laura discuss:    What a Donor-Advised Fund (DAF) is and how to implement it in your financial plan A real-life success story that highlights avoiding a higher tax rate to save money How DAFs can help you differentiate between the reasons why you want to give The logistics of DAFs including their minimum contributions and various fees The benefits of using a DAF as an IRA beneficiary And more   Resources:   Guided Path 7-1 Charitable Giving: Donating Cash vs. Stocks Guided Path 7-2 Timing Your Charitable Giving  Guided Path 7-3 Qualified Charitable Distributions   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Let's continue to learn how to reduce your taxes while increasing your giving potential!  More specifically, with the help of Qualified Charitable Distributions! In this episode, Zacc Call and Laura Hadley discuss the benefits of Qualified Charitable Distributions (QCDs) for individuals aged 70.5 or older. They explain how QCDs (Qualified Charitable Distributions), made directly from pre-tax IRA accounts to charities, can reduce taxable income and potentially lower Medicare premiums.    They also discuss the importance of timing these distributions to maximize tax savings. They cover the limitations of QCDs, such as the inability to donate to donor-advised funds.    Zacc and Laura discuss:   The potential of your QCDs (Qualified Charitable Distributions) Why timing is everything: How to time your charitable contributions effectively Everything you need to know about RMDs (Required Minimum Distributions) when charitable giving How to use your Qualified Charitable Distributions to satisfy your personal Required Minimum Distributions And more   Resources: Guided Path 7-1 Charitable Giving: Donating Cash vs. Stocks Guided Path 7-2 Timing Your Charitable Giving   Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

In this episode, Zacc Call and Laura Hadley discuss the tax benefits of charitable giving, focusing on the strategy of "bunching" or "doubling up" donations. They explain the impact of the standard deduction on tax benefits and how timing donations can optimize tax savings.    They also introduce the concept of a donor-advised fund (DAF) as a tool for controlling the timing of your donations and itemized deductions. They emphasize that the cause, not the tax benefit, should be the primary motivation for your giving–no matter where it's going.    Zacc and Laura discuss:   The concept of standard deduction and how it affects your tax benefits The strategy of “bunching” and “doubling up” your charitable giving The role of donor advised funds (DAFs)  How to better manage cash flow when you're prepaying donations And more   Resources:   Guided Path 7-1 Charitable Giving: Donating Cash vs. Stocks  Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

In this engaging episode, financial experts Zacc Call and Erik Soderborg come together on Erik's YouTube channel 90 Days From Retirement to unravel the complexities of Roth and Traditional retirement accounts.  Zacc and Erik provide listeners with valuable insights into how each account aligns with varying financial goals and circumstances. They demystify the common misconceptions surrounding Roth and Traditional accounts, empowering the audience to make informed decisions for their unique financial situations.  The dynamic conversation delves into scenarios, strategies, and key factors to consider when choosing between Roth and Traditional accounts. Whether you're a seasoned investor or just starting your financial journey, this episode offers essential knowledge to optimize your retirement savings.  Tune in to gain a deeper understanding of the financial landscape and equip yourself with the tools to make sound choices on your path to financial prosperity!  This engaging conversation has already received over 100k views on Youtube. Watch the full video: Exposing the TRUTH About Roth vs Traditional Accounts | Financial Conversations   

It's a brand new season with brand new topics! It's time to unravel the intricacies of charitable giving.   In this episode, Zacc Call and Laura Hadley discuss the benefits of donating cash versus stocks, and the potential tax advantages associated with each option.    They also explore potential tax implications and limitations based on your income level and the type of charity you give to.    Join the conversation as Zacc and Laura discuss: Why donating stocks as your form of charitable giving is extremely “tax savvy” The varying processes for donating stocks versus cash to a charity “The Happiness Factor” and how it contributes to charitable giving And more   Resources: Guided Path: Seasons 1 - 6    Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

Creating clear processes and systems can skyrocket the valuation of your business.    In this episode, Zacc Call and Laura Hadley, along with their friend and colleague Tyson Long discuss the importance of having the right network and team of professionals when selling or owning a business. They highlight the order in which you should address the different categories of owning a business and the mentality you should have when tackling them.   They also discuss the importance of involving a spouse in financial planning and the need for professionals like a bookkeeper, business tax expert, and personal tax expert.    Zacc, Laura, and Tyson discuss:   The 5 pillars of business management: Which one do you tackle first when exiting? How to start curating your professional network when managing or exiting your business Business management from a legal point of view & how to start better incorporating your spouse into the business' finances Finding the right people to manage your enterprise and put a value on your family business And more   Resources:   Guided Path 6-4 Exiting Your Business From A Legal Standpoint Guided Path Estate Planning Series   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Tyson Long:   LinkedIn: Tyson Long, CFP®, CPWA®

In today's episode, Zacc Call and Laura Hadley talk about exiting your business from a legal perspective with the help of attorneys Bryant Jensen and Megha Kundra from Fabian VanCott.   Listen as they discuss the process business owners need to take when exiting their business, how to properly evaluate the market, review financials, and prepare for the sale.    Bryant & Megha discuss:   A breakdown of the legal costs associated with exiting your business How to properly document the entire valuation and exit process Strategies for maximizing the value of a business before selling And more   Resources:   Guided Path 6-1 Business Structures Guided Path 6-2 Choosing the Best Retirement Plan for Your Small Business  Guided Path 6-3 Invest In Your Business & In Your Retirement    Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Our Guests:   LinkedIn: Fabian VanCott FabianVanCott.com LinkedIn: Megha Kundra LinkedIn: Bryant W. Jensen  

Knowing how to effectively scale your business can greatly impact your retirement plans. Just imagine the opportunities and challenges that come with taking that leap!   In this episode, Zacc Call and Laura Hadley discuss investing in your business and retirement as a business owner. They differentiate between business creators and solo practitioners, emphasizing the importance of scaling up a business to increase income potential.    They also caution against relying too heavily on the value of the business as a retirement plan and discuss the challenges and trade-offs of scaling a business.    Zacc and Laura discuss:   The difference between business owners and solo practitioners: How does this affect how you exit your business? How to diversify your retirement savings as a business owner Mitigating the common challenges of business ownership (Scarcity of resources, time, money, talent, and a diverse network!) How to scale up your business and increase your retirement income And more   Resources:   Guided Path 6-1 Understanding the Tax Implications of Different Business Structures Guided Path 6-2: Choosing the Best Retirement Plan for Your Small Business    Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

Are you feeling overwhelmed by the complexity of small business retirement plans?   In this episode, Zacc Call and Laura Hadley are joined by their Capita colleague, and recurring guest, Tyson Long to analyze and provide detail surrounding various retirement plan options for small business owners. Their suggestions are not one-size-fits-all but rather catered to consider factors like the number of employees and annual saving goals. Listen as they highlight the need for more simplification and better options for small business owners.   Throughout the episode, Zacc, Laura, and Tyson discuss:   The pros, cons, and ideal scenarios for utilizing a Simple Account, IRA, Solo 401k Plan, SEP IRA, Simple IRA, and Company 401k Plan  The proposed simplification of the 401k system for smaller companies and the potential benefits it could bring  The tax flexibility and other benefits offered by non-retirement accounts  The opportunities in alternative investments, such as real estate and private businesses And more!   Resources: Guided Path 1-4 Retirement Income Risks with Tyson Long, CFP, CPWA Guided Path 3-5 Real Estate with Tyson Long, CFP®, CPWA® Guided Path 3-6 Navigating the World of Alternative Investments with Tyson Long, CFP®, CPWA® Guided Path 4-4 Retiree Tax Strategies: Helping You Save Money On Taxes   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Tyson Long, CFP®, CPWA® LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Tyson Long: LinkedIn: Tyson Long, CFP®, CPWA®

What type of business structure should you use to limit your taxes and liability?    In this episode, Zacc Call and Laura Hadley discuss various business structures and their implications for your taxes and liability. They explain that most business structures are pass-through entities, except for C corporations which are subject to double taxation.  Plus they delve into sole proprietorships, partnerships, and limited liability corporations (LLCs), highlighting the risks and benefits of each.    Listen to gain insight on:   The different tax implications of Sole Proprietorships, Partnerships, and LLCs & which structure you should use in your business The benefits of S Corporations in your business structure How these different structures affect your liability (how to protect your assets if you get involved in a lawsuit!) The process of opting out of or back into Social Security as a self-employed individual And more   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Have you prepared to pass on your wealth to your children? If not (and take it from us!), it can lead to serious family feuds and even legal consequences.   We don't want this to happen to you. Let's make your family's relationship stay strong.   In this episode, Zacc Call and Laura Hadley highlight practical solutions to prevent family issues caused by wealth, including open communication, fair estate planning, financial education, and maintaining strong family values.    They also discuss the pitfalls of strange oversight or power relationships and the importance of clear communication.   Zacc and Laura discuss:   How to initiate effective, efficient, and open communication with extended family when executing financial decisions How to mitigate the fear of taxes and eliminate its effect on your family's ability to make sound decisions The risk of making your trust too specific–tips to make your trust sound and clear! Why some families fail to make a CLEAR and FAIR estate plan–how you can avoid these mistakes And so much more   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

If you thought our last episode about Estate Planning was beneficial, then you're really going to find this release chock-full of insight too! Join Zacc and Laura as they dive into the advanced strategies you and your family will want to use for a financially secure future!   In this episode, estate planning guru and attorney at York Howell & Guymon, Eric Whiting discusses the various advanced estate planning strategies you can use to maximize the assets your family keeps after you pass.   Zacc, Laura, and Eric discuss:   How to find out which estate planning strategy you should use The various IRS dollar limitations to be aware of How to maximize the dollar amount of your estate your family keeps after you pass (effective tax planning) Charitable remainder trusts–what they are and how to implement them in your plan And more   Resources:   Guided Path 5-4: Estate Planning   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Eric Whiting:   LinkedIn: Eric Whiting York Howell & Guymon Asset Protection   About Eric Whiting: Eric B. Whiting is an attorney with the Salt Lake City law firm of York Howell. Eric's practice is focused on estate planning, tax, business planning, and nonprofit entities. Eric also assists clients of large and small estates with all aspects of estate administration and probate. Eric assists business clients with entity selection, structuring, formation, and planning. He also represents clients before the IRS. Eric is currently an active member of the Utah State Bar, Idaho State Bar, Washington State Bar and most recently Wyoming State Bar. Eric earned his Bachelor's Degree in Economics and Law & Constitutional Studies at Utah State University, his Juris Doctor at Gonzaga University School of Law and his LL.M. in Taxation at Georgetown University Law Center. When not in the office, Eric loves spending time outside with his wife and three daughters. He enjoys mountain biking, rock climbing, skiing and snowboarding.  

With the help of this episode, individuals and families can make informed decisions about their estates and ensure a well-executed wealth transfer plan that aligns with their financial goals.   This episode kicks off with an overview of estate taxes, explaining how they are applied to the transfer of assets from a deceased person to their beneficiaries.    Zacc Call and Laura Hadley highlight the key factors that determine estate tax liability, such as the value of the estate, current tax laws, and available exemptions that could apply to your estate!   Zacc and Laura discuss:   How to find out if you need to worry about estate taxes Some recent changes to tax laws and how these may affect your estate plan All the maximum $ amounts you need to need to know when gifting or transferring funds within your family Strategies you can use in your estate plan to limit the amount of estate tax you pay And more   Resources:   Guided Path 5-1 The Estate Plan Everyone Should Have with Jayson McGinnis Guided Path 5-2 Trusts and Wills Guided Path 5-3 Naming Beneficiaries   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

This week, we are turning the intricacies of naming beneficiaries and transferring retirement funds into easy, actionable, steps.   In this episode, Zacc Call and Laura Hadley chat with, Kelsey Dent, Partner & Director of Financial Services at Capita Financial Network as she shares her insight around the process of naming beneficiaries, how to do so properly, and how to avoid some of the most common mistakes.   Zacc, Laura, and Kelsey discuss:   How to take money out and avoid paying maximum tax penalties on your retirement accounts Everything you need to know about inherited IRAs (and some recent law changes around them) Primary versus contingent beneficiaries and how you can use them to your benefit The types of assets that you need to list a beneficiary on And more   Resources:   Guided Path 5-2 Trusts and Wills   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Kelsey Dent:   LinkedIn: Kelsey Dent Capita Financial Network   About Kelsey Dent:   Kelsey Dent is a partner & director of financial services at Capita Financial Network. Kelsey has been working at Capita for 7 years now and was the fifth employee on the team! Now Capita's team has expanded to 38 employees.   Kelsey is exceptional with client servicing and project management. “Typically those not wanting to manage people or manage a team are the best managers” and that is exactly the case for Kelsey. She is joining Zacc Call and Laura Hadley on the show today to share some insight on naming beneficiaries and how to do so efficiently and effectively.  

One of the biggest misconceptions about estate planning is that a trust and a will are the same things and that if you have one, you don't need the other.   This is not true.   In this episode, Zacc Call and Laura Hadley invite estate planning attorneys Courtney and Gregory Lyle onto the podcast to discuss some of the biggest misconceptions about trusts and wills and how you can use them to best organize your estate for your family.   Greg and Courtney discuss:   The main differences between a trust and a will Why you should have a will AND a trust  Whether a revocable trust or an irrevocable trust is the best fit for your needs The crucial elements you should include in your trust  And more   Resources:   Guided Path 5-1: The Estate Plan Everyone Should Have    Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Gregory & Courtney Lyle:   Independence Law Firm LinkedIn: Gregory Lyle About Gregory and Courtney Lyle:   Courtney and Gregory Lyle are both estate planning attorneys located right next door to Capita Financial Network! Courtney and Greg met at Brigham Young University and then attended the University of Utah together for Law School. They then got married and have been working as estate planning attorneys ever since.   Courtney and Greg use their expertise with estate planning law alongside Capita to enrich individuals' financial planning experience. 

Not sure when to start creating your estate plan? Take this as your sign.   This first episode of season five provides an overview of estate planning and highlights the importance of protecting your assets and loved ones.    Jayson McGinnis joins the conversation and discusses some of the misconceptions around estate planning, the key elements to consider, and some practical tips for those not knowing where to start with their plan.   Zacc, Laura, and Jayson discuss:   The important topics to discuss with your family when assembling an estate plan What 4 documents should be in your “starter estate plan” How your estate plan changes when minor children are involved Some common misconceptions about estate planning and why they're not just for wealthy individuals And more   Resources: Guided Path 2-4 Divorce, Remarriage and Death with Jayson McGinnis   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Jayson McGinnis:   LinkedIn: Jayson McGinnis Capita Financial Network: Jayson McGinnis   About Our Guest:  Jayson is a Wealth Advisor at Capita and a CFP® professional. He obtained his commercial pilot's license while attending Utah Valley University and earned a Bachelor's degree in Aviation Science. Jayson began his career in financial services in 2007 at Fidelity Investments. He joined Capita in 2019. His ability to simplify complex financial planning strategies has allowed him to educate and connect with clients. After serving a Russian-speaking mission in Sacramento, CA for his church he moved to Utah from his home state of Washington. He enjoys skiing and taking his family on vacation.  

Between June 5th and the end of September this year, the U.S. government is scheduled to reach it's debt ceiling. Listen in to this special bonus episode to know what this means, how this will affect the economy and why there could be a government shutdown as a result of this. You don't want to miss this!

It's important to educate yourself on the truth about taxes and avoid falling for the most common myths, which we debunk thoroughly.   In this episode, Zacc Call and Laura Hadley discuss the most common tax myths people fall for which includes the discussion of mortgages, estate tax, and gifting funds. The aim is to help you better understand the truth behind these rumors so you can avoid problems with the IRS.   Zacc and Laura discuss:   The most believable tax myths you might be falling for How to limit as much estate tax (aka death tax) as possible Why paying taxes on smaller dollar amounts shouldn't always be more desirable Why some of the 1% pay such little in taxes And more   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

Does your employer offer stock options as part of your compensation package? Whether they do or not, this episode will be helpful for you to better understand the intricacies of stock options. In this release, Zacc Call and Laura Hadley dive into the topic of employee stock options, discussing what they are, how they work, and their benefits and risks. They also touch on taxes surrounding these types of investments with their guest, Zach Geertsen. Listen in as Zacc, Laura, and Zach discuss:   How to capitalize on stock options and build a solid plan for investing ESPPs - Employee Stock Purchase Plans; and the other acronyms you should know What you should do when your company's stock price plummets  And so much more   Resources:   Guided Path 4-1 How The Government Calculates Your Taxes Guided Path 4-2 Roth vs Traditional  Guided Path 4-3 How Non-Retirement Investments Are Taxed  Guided Path 4-4 Retiree Tax Strategies: Helping You Save Money On Taxes   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

Are you tired of paying high taxes and want to keep more of your hard-earned money?   In this episode, Zacc Call and Laura Hadley break down various tax strategies to help you save money on your taxes. While they focus on tax strategies geared towards retirees, many of the tax strategies discussed can be applied at any age!   Zacc and Laura discuss:   Different tax strategies for retirees  Some strategies that can be applied at any age The purpose of tax diversification How you can set yourself up for success in the future And more   Resources:   Guided Path 4-3 How Non-Retirement Investments Are Taxed  Giving Smarter - Donor Advised Funds DAFs – The Packing Cubes of Charitable Giving   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

Sometimes people get so caught up in their retirement investments and savings that they forget how to properly manage their non-retirement related investments. This episode is our way of stopping you from making this mistake. Spend time with Zacc Call and Laura Hadley as they are joined by Tyler Williamson, Partner & Wealth Advisor at Capita to talk about how your non-retirement investments are taxed, how to limit taxes on capital gains, and so much more! Together they discuss: What you can expect to learn in their upcoming seasons of the Guided Path Important time frames you should be aware of when investing  The different types of non-retirement investments and their taxation And more   Resources: Guided Path 4-2 Roth vs Traditional Guided Path 2-1 Social Security Basics Refresher with Tyler Williamson Guided Path 1-2 Social Security Basics   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Tyler Williamson:   LinkedIn: Tyler Williamson   About Our Guest:   Tyler Williamson is a partner with Capita Financial Network. He is one of the most tenured advisors at Capita. Tyler is a Social Securities expert and often does presentations about them. Tyler often helps people with a lot of money in high net worth planning. He helps people that have barely saved anything, so he understands a wide array of financial planning issues.  

With the sudden shut down of Silicon Valley Bank over the weekend, Zacc and Laura are here to explain how this happened, what is being done to help the situation and if this can have an affect on you as a listener. Tune in now!

We are excited to announce that one of The Financial Call's most listened to episodes now has a sibling.   That's right, we are talking about Roth and traditional investment accounts.   In this episode, Zacc Call and Laura Hadley discuss the difference between Roth and traditional investment accounts and how to find out which one is the best fit for your retirement plan.    Zacc and Laura discuss:   Things you probably didn't know about having a Roth IRA in your 401K The difference between a traditional and a Roth investment account in retirement How to decide what investment account to use in your retirement plan The biggest misconceptions about these investment accounts and how to avoid them And more   Resources:   The Financial Call: To Roth Or Not To Roth  Guided Path 4-1 How The Government Calculates Your Taxes Secure Act 2.0 Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Taxes are so applicable to everyone and there are some very basic things that people can do if they understand how taxes work that will help them save on taxes, sometimes even thousands of dollars. In this episode, Zacc Call and Laura Hadley aim to help you better understand your tax return while also providing tax strategies that can help you save money. Zacc and Laura discuss: The foundation of how your taxes are calculated How your investments could be taxed in 2023 How to avoid risky task strategies and minimize your taxes safely What this season's tax rates look like and how they will change in the future And more Resources: Guided Path 3-7 How To Start Building Your Investment Portfolio With Rich Gurr, CFP® Guided Path 3-3 Your Guide To Understanding Bonds Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

Now that you have learned about the different types of investments, it's time to put your knowledge to the test and start building your portfolio. In this episode, Zacc Call and Laura Hadley talk with Rich Gurr, CFP®, on the show to discuss not just how to set up your investment portfolio, but how to avoid the common mistakes beginner investors tend to make. Rich discusses: Why risk capacity should be the deciding factor on how you invest your money The first steps you should take when creating an investment portfolio The risks of becoming emotionally tied to a certain type of investment The 70/30 rule and how to use it in your portfolio And more Resources: Guided Path 3-6 Navigating the World of Alternative Investments with Tyson Long, CFP®, CPWA® Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network Connect With Rich Gurr, CFP®: LinkedIn: Rich Gurr, CFP® About Our Guest: Rich Gurr, CFP®, is a fellow Wealth Advisor at Capita Financial Network. He is on the show to share his expertise around organizing investments, wealth planning, estate planning, tax strategies, and managing people with high net worths.

Standard stock and bond portfolios have done their job well over time, but some investors want to add alternative investments for potentially higher returns and diversification. Alternative investments come with additional risks, but they may be the answer. Join Zacc Call, Laura Hadley, and Tyson Long, CFP® as they delve into the often misunderstood world of alternative investments and explain how these options can potentially enhance the diversity and performance of your portfolio. Whether you're a seasoned investor or just starting out, this episode will provide valuable insights and information on the various types of alternative investments available and how to approach them with caution and care. Zacc, Laura, and Tyson discuss: Tips for evaluating and choosing the right alternative investments for your financial goals and risk tolerance The benefits and risks of incorporating alternative investments into a portfolio The role of derivatives in managing risk and generating returns The evolution of venture capital, private equity, and small-cap stocks  The importance of diversification and careful research when it comes to alternative investments Resources: Guided Path 3-5 Real Estate with Tyson Long, CFP®, CPWA® Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network Connect With Tyson Long: LinkedIn: Tyson Long, CFP®, CPWA® About Our Guest: Tyson Long is a fellow Wealth Advisor at Capita Financial Network. He is on the show to share his expertise around tackling inflation when you are nearing or entering your retirement.

We must warn you, this episode's topic can be pretty polarizing in the financial services industry, but that's not stopping us from doing an episode about it. In this episode, Zacc Call, Laura Hadley, and Tyson Long, CFP®, discuss the pros and cons of real estate investing and how you can discover whether it is a suitable venture for you in your investing career. Zacc, Laura, and Tyson discuss: Why real estate investing can be polarizing in the financial advising industry Capital markets vs. real estate and how to find out which is more suitable for you What you should take into consideration when buying rental properties The tax benefits of investing in real estate vs. investing in land  And more Resources: Guided Path 3-4 Understanding The Complexity of Funds With Tim Gottfredson, CFP® Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network Connect With Tyson Long: LinkedIn: Tyson Long, CFP®, CPWA® About Our Guest: Tyson Long is a fellow Wealth Advisor at Capita Financial Network. He is on the show to share his expertise around tackling inflation when you are nearing or entering your retirement.  

We'll admit…learning about funds can be a pretty complex conversation, but that's exactly why we have invited Tim Gottfredson, CFP®, on the show, to break this down into the simplest terms. In this episode, Tim shares his expertise about investing in funds and how you can do so while saving yourself the most amount of money possible. Tim discusses: How to limit broker fees and when you can expect them when investing in funds What an expense ratio is and how you can find the lowest ones What an Exchange Traded Fund (ETF) is and whether they are a viable investment for you Why more people are gearing towards ETFs in their portfolios And more Resources: The Financial Call: Guided Path 3-3 Your Guide To Understanding Bonds Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network Connect With Tim Gottfeedson: LinkedIn: Tim Gottfredson  

We've talked about the basics of investing, we've talked about investing in stocks, but now it is time to discuss everything you need to know about bonds! Investing in bonds is different from investing in stocks, and in this episode, we are here to help you decide whether they would be a viable investment option for your portfolio.  Zacc and Laura discusses: The history of bond investments The benefits of investing in bonds compared to stocks Everything you need to know about high risk bonds Why you don't hear about bonds a lot in the news And more Resources: The Financial Call: Guided Path 3-1 Investing Basics The Financial Call: Guided Path 3-2 Stocks With Matt Johns, CFP® Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

Learning to better understand the stock market and investing as a whole should be a key part of everyone's retirement plan. In this episode, Zacc Call and Laura Hadley talk with Matt Johns, CFP®, to share his vast knowledge about the stock market which will help you better understand how you can make your money work for you prior to and during retirement.   Matt discusses: How easy it is to purchase stocks in the current day Why you should fully own assets to keep up with inflation What currency risk is and how you can take it into account when investing The difference between value, blended, and core stocks And more   Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect With Matt Johns, CFP®: LinkedIn: Matt Johns, CFP®  

The wait is finally over… Season 3 has arrived! If you are someone who is wanting to jumpstart or even just enhance your investing journey, then you are going to love this season of The Financial Call! In this episode, Zacc Call and Laura Hadley introduce the topic of season 3, which is investing. They discuss what learning opportunities you will have throughout this season, and the nitty gritty details of kickstarting your investment portfolio. Zacc and Laura discuss: How inflation impacts your investment portfolio How to decide where you want to invest and which accounts you should invest from What a decision order is and how to find yours How investing strategies look different when planning for retirement compared to saving for college And more Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

In 1940, the average life expectancy of a 65-year-old was another 14 years, but today, it is over 20 years. This means you will probably need to save more money and better organize your finances as your retirement will most likely last longer than those in the past. In this episode, Zacc Call and Laura Hadley talk with Bart Wagstaff, CFP®, to share how you can start putting your Social Security strategy to work so you can sit back and enjoy your retirement. Bart discusses: How to do a personal analysis to find out when you should file for Social Security  How to calculate your own cost of living adjustment Some real life examples of people who took their Social Security at the wrong time and how you can avoid making the same mistake How divorce and marriage affects your Social Security benefit And more Resources: The Financial Call: The Different Penalties You May Have On Your Social Security Benefit Guided Path 2-5  Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network Connect with Bart Wagstaff, CFP®: LinkedIn: Bart Wagstaff, CFP® About Our Guest: Bart Wagstaff, CFP®, is a partner and financial advisor at Capita Financial Network. He attended the David Eccles School of Business at the University of Utah which developed his skills in becoming a financial advisor here at Capita Financial Network. Also, he is a Certified Financial Planner and has obtained his Series 7.  

When people hear the word ‘penalty', they automatically assume it's a bad thing. But when it comes to Social Security, that isn't necessarily the case. In this episode, Matt Johns, CFP®, an employee at Capita Financial Network, discusses Social Security penalties which can help you discover which ones may apply to you in the future. Matt discusses: How he helps people like you discover what amount they can expect from Social Security How financial planners can simplify the complex process of paying into and receiving Social Security benefits What restricted spousal benefits are and how they can affect you Some of the experiences he has had when helping people calculate Social Security And more Resources: The Financial Call: Divorce, Remarriage and Death with Jayson McGinnis (Ep.2-4) Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network Connect with Matt Johns, CFP® LinkedIn: Matt Johns, CFP® About Our Guest: Matt Johns is a fellow Certified Financial Planner at Capita Financial Network who has vast experience and expertise with Social Security planning. He received his Bachelor's Degree in Finance from the University of Utah and then his Masters of Business Administration (M.B.A) at Westminster College in Salt Lake City, Utah. Matt has been working at Capita since 2019 and is excited to be on the podcast to share his passion for financial planning and calculating Social Security benefits for not only his clients, but the listeners of The Financial Call.

Zacc Call is joined by Tyson Long to give you a quick summary of Capita's Fall 2022 Educational Bootcamp. Listen for highlights from Kurt Brown's market updates, Tyson's overview of the market from this last year, Erik Soderborg's insights on Medicare costs and options, and Zacc's strategies for saving on taxes when doing a personal audit.

Benefits can be complex to understand, especially when remarriage or spouse deaths are involved.   And by not understanding them in detail, we may miss what we are entitled to get.   In this episode, Zacc Call and Laura Hadley chat with Jayson McGinnis, a wealth advisor at Capita Financial Network, to give details regarding divorce, remarriage, and survivor benefits. Additionally, they explain the strategy in which a couple can get divorced to improve their Social Security benefits and then get married again.   Zacc, Laura, and Jayson discuss:   The benefits you are entitled to get from the person you marry or divorce, and how to maximize them How ex-spouses aren't notified when they apply for divorce spousal benefits How a higher income could cancel the continuity of survivor benefits The importance of keeping track if your ex-spouse is still alive The time a client had to remarry her current husband to get the benefits of her previous marriage when the husband passed away And more   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Jayson McGinnis:   LinkedIn: Jayson McGinnis   About Our Guest:   Jayson McGinnis is a Wealth Advisor at Capita Financial Network and a Certified Financial Planner™ professional. He was born and raised in Washington state and moved to Utah after serving a Russian speaking church mission in Sacramento, CA. Jayson obtained his commercial pilot's license while attending Utah Valley University and earned a Bachelor's degree in Aviation Science. He made a career pathway change in 2006 from professional pilot to finance. Jayson began his career in financial services in 2007 at Fidelity Investments. He joined Capita in 2019. His ability to simplify complex financial planning strategies has allowed him to educate and connect with clients. Jayson is sincere and warm and enjoys the process of learning the unique needs, goals, and concerns each client has. His mission is to provide a premier planning experience for his clients while creating and managing their plan, helping them avoid pitfalls, and being on deck and available to them anytime a need arises.

Benefits can be confusing when it comes to knowing what's available and how to get them.   For spouses, there are benefits and strategies that not everyone knows about, and once you know them, it's crucial to understand their details to maximize them.   In this episode, Michael Littledike, Founder and CEO of Capita Financial Network, talks with Zacc Call and Laura Hadley to help people understand the Social Security spousal benefits and clarify the most common mistakes they see regarding this topic.   Zacc, Laura, and Michael discuss:   How a spouse is entitled to get half of the other spouse's Primary Insurance Amount (PIA) at full retirement  What happens to the PIA if the primary worker or the spouse takes their benefits before or after their full retirement age How a divorced spouse can receive benefits out of that marriage if it lasted for at least ten years The importance of knowing your personal benefits before applying for others The cost of living adjustment on spousal benefits to keep up with inflation And more   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Michael Littledike:   LinkedIn: Michael Littledike Capita Financial Network

Retirement benefits like Social Security make a world of difference for people in retirement.    So how much should you expect to receive from these benefits? And in addition, where does the money from these benefits come from?   In this episode, Zacc Call and Laura Hadley dive deeper into the ins and outs of Social Security by explaining how you can estimate how much you will receive, how to maximize your benefit if you are self-employed, how the government accumulates the money in the Social Security trust fund, and more.   Zacc and Laura discuss:   What FICA tax is and how you benefit from it in the future “Primary insurance amounts” and how yours is calculated How to maximize your government retirement benefits if you're self-employed  What compensation you can expect from the government when retired And more   Resources:   The Financial Call: Social Security Basics Refresher With Tyler Williamson (2-1)   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

People make a lot of assumptions about Social Security, and unfortunately, this mistake can come back to bite once you are ready to retire.   Despite what many might think, you'll want to learn about Social Security benefits long before you retire and this episode is the perfect place to do just that!   In this episode, Tyler Williamson shares his expertise about Social Security and explains how you can avoid some of the common mistakes people make when planning their income before and during retirement.   Zacc, Laura, and Tyler discuss:   What you have to look forward to in this season How to maximize your benefit of Social Security during retirement Common mistakes retirees make when taking out their Social Security and how you can avoid them How Social Security is nationally accumulated and how the US is planning to support the overwhelming size of the baby boomer population And more   Resources:   The Financial Call: Income Planning for Investors Ages 40 to 60   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Tyler Williamson:   LinkedIn: Tyler Williamson   About Our Guest:   Tyler Williamson is a partner with Capita Financial Network. He is one of the most tenured advisors at Capita. Tyler is a Social Securities expert and often does presentations about them. Tyler often helps people with a lot of money in high net worth planning. He helps people that have barely saved anything, so he understands a wide array of financial planning issues.

Now that we have discussed what you need to know as a young investor, we now need to discuss what you need to know as an experienced or wise investor approaching retirement.   If you want to know how to retire as early as possible, you'll want to listen to this episode.   In this episode, Zacc Call and Laura Hadley provide professional advice about investing and curating your retirement plan in the later years of life and how you can minimize the time it takes you to retire.   Zacc and Laura discuss: Preventing financial crisis in the later years of life How to map out your numbers - your debt, future cash flow, and assets How you can minimize how long it takes you to retire Why you should use multiple tax structures in retirement And more   Resources:   The Financial Call: Income Planning for Investors Ages 25 to 40   Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Your age has a large impact on how and when you will plan your income, invest your money, and spend your time.   In this episode, Zacc Call and Laura Hadley discuss how individuals aged 25-40 can enhance their income planning strategies and capitalize on the amount of time they have to invest.   Zacc and Laura discuss: How to increase your earning power Four ‘financial fires' that can impact your income Where you can put your next dollar to organize your income And more   Resources:   The Financial Call: Retirement Income Risks With Tyson Long, CFP®, CPWA® (Ep.4)   Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Inflation can heavily impact your retirement plan, so how can you make your retirement funds grow alongside inflation?   In this episode, Zacc, Laura, and Tyson Long discuss the impact of inflation on people reaching or in retirement. They also highlight how their team takes downturned markets into consideration when formulating personalized financial plans.   Tyson discusses: The concept of risk inflation and how you can prepare for it in retirement The ‘retirement danger zone' when investing your retirement funds How Capita Financial Network integrates the possibility of low markets into the retirement plans they formulate Identifies what a sequence of return risk is and the solutions for it And more   Resources: The Financial Call: Making Pension Decisions With Bart Wagstaff, CFP® (Ep.3)   Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect With Tyson Long:   LinkedIn: Tyson Long, CFP®, CPWA®   About Our Guest: Tyson Long is a fellow Wealth Advisor at Capita Financial Network. He is on the show to share his expertise around tackling inflation when you are nearing or entering your retirement.